Page 26 - Bay Union - Prestige Policy Wording
P. 26

CLAIMS
Malicious damage – unless you specify it
Malicious damage occurs when someone (other than you or any of your bene ciaries) performs an act deliberately designed to cause you damage.
An example is someone deliberately scratching the paintwork of your car, or painting graf ti on your wall.
You are not covered for malicious damage to your insured property unless you speci cally ask for it to be included as part of your policy.
You are not covered for malicious damage even if you asked for it if:
○ you lend, let or sub-let your home; or
○ leave it unoccupied for more than 60 days in any 12-month period.
Transmission and distribution lines
This means loss of or damage to transmission and distribution lines further than 1 500 meters from any structure you have insured under this policy. Loss or damage includes consequential loss and business interruption.
However, property damage or business interruption losses arising from transmission or distribution lines not belonging to you are covered.
Transmission or distribution lines include wire, cables, poles, pylons, standards, towers and all supporting structures and any equipment used for transmission or distribution of electricity, telephone or telegraph, audio or visual communication signals.
23 Bay Union - Prestige Policy Wording - 20 June 2012


































































































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